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Islamic Banking » Investment Schemes » Hire Purchase Shirkatul Melk (HPSM)
Hire Purchase Shirkatul Melk (HPSM)
Terms and Conditions
Specific papers/documents on the basis of the type of the customer.
Photograph of Account holder is required.
Specimen Signature is required.
Introducer required.
Nominee required in case of individual.
Initial Deposit not compulsory.
HPSM Investment to Commercial and Industrial undertaking in the form of Land, buildings, flats, commercial buildings, machineries, air conditioners, equipments (Lift & Elevators), transports, vehicles etc.
HPSM Investment to Agriculture in the form of agricultural equipments, machineries, shallow tube wells, deep tube wells, tractors, trailers, etc.
HPSM Transport in the form of Transport Bus, Car, Taxi, Launch, Cargo, Vessel, etc.
HPSM in the form of Home Appliances and transshipment carriers etc. Hospital equipments, ambulance etc.
Eligibility
Individual (Adult).
Sole trader ship Firm.
Partnership Firm.
Joint Stock Company.
Non Trading Concern (Club, Society etc).
Govt./Autonomous Bodies.
NGOs.
Benefits/Features
Investment will be given and invested According to Shariah principles
In Hire Purchase under Shirkatul Melk Agreement, the exact ownership of both the Hire (Bank) and Hirer (Client) must be recognized
As the ownership of hired portion of the asset lies with the Hire (Bank) and rent is paid by the Hirer (Client) against the specific benefit, the rent is not considered as price or part of price of the asset
Multiple Account May be allowed if sanctioned by the Authority
Joint Account Allowed
No Closing Charge
Compound profit with quarterly rest
Quarterly profit application in March, June, September and December each year
Withdrawal Frequency Random by the Customers within the sanctioned limit. Excess over the limit may be allowed by the competent authority
No profit on credit balance. Interest to be recovered for debit balances only. Daily product basis.
For any query please Contact at: Tel: (PABX) 9551614 FAX: 880-2-9564009 or e-mail us at [email protected]
Foreign Currency Rates
Currency Buying Selling
USD 81.00 82.50
EURO 86.15 90.80
GBP 99.70 104.70
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February 22,, 2015
1st Managers’conference-2015 of Dhaka South Region of Pubali Bank Ltd. held.

 

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